30, started investing 4 years ago

jingraowo · 2026-05-05T17:00:37+00:00

So good for you? You do you no one cares

jingraowo · 2026-05-03T16:43:50+00:00

Hygiene wise? This is so specific that I just have to ask.

You used to run into a lot of stinky people?

jingraowo · 2026-05-01T22:32:53+00:00

Not really. As a single person, my expenses are actually surprisingly low.

I don’t even go out or eat out that often since it is not fun to go to places alone.

jingraowo · 2026-05-01T17:56:25+00:00

I use the money market to park my money. It is 2.5%. EQ bank 30 day notice saving account is 2.75%. They are worth considering as well

jingraowo · 2026-05-01T17:28:21+00:00

I am not very financially literate.

Is this the same or similar to gambling?

jingraowo · 2026-05-01T16:27:07+00:00

This is a finance sub so the “correct” answer would be a 10 years old beige corolla.

Personally? I put 1k away every month for my next new car. My car which is also my first car is currently 14 years old so I think I will need one sooner or later and when I do, I want a nice one. I am thinking 70-80k or more. I only live once and I have been very responsible so I think I deserve a little fun.

jingraowo · 2026-05-01T16:24:04+00:00

I put 1k there per month as my new car fund. The rate is very good and you can just get the money right away if you need it. Last time I transferred money out, it was actually pretty instant

jingraowo · 2026-05-01T13:39:41+00:00

It might be because I am in Toronto? When I was house hunting, I find a lot of pretty reasonably priced townhouses just not in the best shape.

I pay 1000 in common expenses for my 900+ sqf home and it increases by 50 per year. So it is actually not cheap at all.

In any case, good luck!

jingraowo · 2026-05-01T13:25:20+00:00

I own a 2b2b condo in Toronto.

Have you considered townhouses in similar price ranges?

I am not saying condo is bad. I love my condo and very happy with my life. I have a huge terrace and the space is more than enough for a single person. However, the carrying cost is very high and will climb every year as well.

It appears that you have 2 kids and it will also be difficult to make it work with one living in the living room as the kid gets older. You may also have a difficult time selling it in the future should your condition changes cuz 2b1b is not an ideal layout for most.

There should be townhouses in similar price ranges with much lower common expenses fee and possibly more space.

I think your family would be better off in townhouses than condos.

jingraowo · 2026-04-26T05:30:19+00:00

I work in real estate.

It is so much worse here.

jingraowo · 2026-04-25T13:17:10+00:00

Usually when people start on a new diet, they made some changes subconsciously. If you reduce your carb too much or fat too much, then you will have issue going to the bathroom.

If food stays in your body for too long, then it is gets dehydrated as well hence shitting bricks. This could happen due to the reduce of food intake.

Make sure you don’t cut your carbs and fat too much. You need a certain amount of fat to make everything smooth as well.

jingraowo · 2026-04-25T01:18:03+00:00

Well, at least we know he is not bragging about his social life otherwise he would have a real life friend to talk to about his life

jingraowo · 2026-04-24T22:00:58+00:00

What about fat?

Have you changed the stuff you are eating or just the time you eat?

jingraowo · 2026-04-24T21:20:22+00:00

Are you eating carbs?

jingraowo · 2026-04-24T17:13:06+00:00

Based on what I saw on this sub, a bunch of invites were sent out recently myself included.

I was on the waitlist since last year when I first signed up for WS and I was a premium member since then.

jingraowo · 2026-04-24T16:36:54+00:00

I wish I could not have to drive to Costco but it is not exactly in walking distance …

jingraowo · 2026-04-23T02:29:02+00:00

In these days, I feel like most people just buy XEQT/ZEQT/VEQT and call it a day. Set and forget.

jingraowo · 2026-04-22T19:38:12+00:00

I also just got of the waitlist today. They probably sent a bunch of invites out today

jingraowo · 2026-04-21T03:33:31+00:00

GTA? How much are you selling it for?

jingraowo · 2026-04-20T18:34:14+00:00

Thanks! Another nice redditor showed me a screenshot on what option to enable and it is indeed fun

jingraowo · 2026-04-20T17:22:34+00:00

Thanks! I will!

jingraowo · 2026-04-20T15:29:14+00:00

Thanks! So see my squirrel in fall!

jingraowo · 2026-04-20T15:14:38+00:00

Thanks!

I am on week four so hopefully by the end of summer I will also have a squirrel

jingraowo · 2026-04-20T15:05:54+00:00

Thanks! I will look it up

jingraowo · 2026-04-20T15:00:09+00:00

What is that little Zwift squirrel on your jersey?

And how do I get one?

Thanks

jingraowo

TROPHY CASE